2. Many Managers, Regional/Zonal Managers `buy' deposits & get promotion & the deposit will disappear immediately. Similarly, loans given by these staff will become NPAs after one year. They are rewarded & penalised as these dubious growth benefits higher ups in promotions as well as `otherwise'. Hence, criteria should be broad based & to consider aftereffects their work in the previous postings.
3. Purchase policy to be sound & uniform for all banks.
4. Rules of business, each department's responsibility etc be uniform in all banks. For example, purchases & other work of Security Department is taken away for `illegal monetary gains' by DIT, GAD etc & the rank of Security Chief kept stagnant for the past 30 years, while others posts have upgraded. From 10th position it has gone down to 200th position in many banks.
5. Now, CMDs & EDs dont take up employment with ex-clients but become advisers & make money. These dubious ways are to be stopped by Govt. more